Explanations

TA - Total assets ($bil)
[The higher the better]

The total number of assets owned by the company in $billions.

ROAE - Return on average equity (%)
[The higher the better]

Refers to the performance of a company over a financial year. This financial metric is expressed in the form of a percentage which is equal to net income after tax, divided by the average shareholders' equity (the summation of the equity value at the beginning and the closing of a year, divided by two.)

NPLs/TL - NPLs*/total loans (%)
[The lower the better]

The ratio of non-performing loans and assets to the total loans.

*NPLs: Nonperforming loans include loans 90+ days past due and nonaccrual loans. It's the sum of borrowed money upon which the debtor has not made his or her scheduled payments for at least 90 days. A nonperforming loan is either in default or close to being in default.

Once a loan is nonperforming, the odds that it will be repaid in full are considered to be substantially lower. If the debtor starts making payments again on a nonperforming loan, it becomes a reperforming loan, even if the debtor has not caught up on all the missed payments.

R/NPLs - Reserves/ NPLs (%)
[The higher the better]

It's the coverage ratio of a bank. The loan loss reserves are divided by NPLs — so basically it says how much a bank has covered its bad debts.

Tier1 - Tier 1 ratio (%)
[The higher the better]

The Tier 1 capital ratio is the ratio of a bank's core equity capital to its total risk-weighted assets (RWA). Risk-weighted assets are the total of all assets held by the bank weighted by credit risk according to a formula determined by the Regulator (usually the country's central bank).

Central banks typically develop the weighting scale for different asset classes, such as cash and coins, which have zero risk, versus a letter or credit, which carries more risk.

A firm must have a Tier 1 capital ratio of 6% or greater, and not pay any dividends or distributions that would affect its capital, to be classified as well-capitalized. Firms that are ranked undercapitalized or below are prohibited from paying any dividends or management fees. In addition, they are required to file a capital restoration plan.

Lvrg - Leverage ratio (%)
[The lower the better]

Serves to evaluate the company's debt levels. It's the debt-to-capital ratio. The capital here is officially known as Tier 1 capital (paid-up shares and common stock), which includes money from common stock, retained earnings and perhaps some equity-like, nonredeemable preferred shares. Everything else a bank uses to finance its asset portfolio, mostly forms of debt is considered NOT to be capital. For example, if a company has $90B in debt and $10B in capital, it has a debt-to-capital ratio of 9 ($90B/$10B).

In the wake of the financial crisis of 2007-2008, finance companies and banks raised capital via debt offerings, leaving many with high debt-to-capital(equity) ratios.

Rank Company TA ROAE NPLs/ TL R/ NPLs Tier1 Lvrg
1 Prosperity Bancshares 16 9.3 0.1 1,000+ 14.7 7.4
2 Signature Bank 21 12.7 0.4 260 14.6 8.7
3 State Street 217 10.0 0.0 1,000+ 17.3 7.2
4 Community Bank System 7 9.3 0.6 186 16.2 9.4
5 Bank of Hawaii 14 14.8 0.7 293 15.4 7.0
6 First Republic Bank 41 12.9 0.2 281 13.1 9.2
7 SVB Financial Group 24 11.0 0.4 328 13.0 8.8
8 BankUnited 14 11.9 0.5 139 24.1 13.1
9 East West Bancorp 24 12.4 0.8 181 12.4 8.7
10 Commerce Bancshares 22 12.0 0.4 339 13.7 9.4
11 Cullen/Frost Bankers 24 9.7 0.9 106 14.5 8.6
12 United Community Banks 7 39.6 0.6 308 14.2 10.0
13 BancFirst 6 10.0 0.4 260 13.5 8.9
14 Hilltop 9 8.9 0.6 99 16.6 14.0
15 Bank of New York Mellon 372 6.2 0.4 96 15.8 5.6
16 UMB Financial 16 9.4 0.5 244 12.9 8.3
17 Texas Capital Bancshares 11 13.1 0.4 199 9.7 10.9
18 Central Bancompany 10 8.4 1.0 203 16.5 11.4
19 Umpqua 12 5.9 0.6 194 13.6 11.0
20 Capital One Financial 290 10.1 1.6 140 13.1 10.1
21 First National of Nebraska 16 10.6 1.0 240 12.5 10.7
22 First Citizens BancShares 22 8.3 1.0 186 15.0 9.8
23 NBT Bancorp 8 8.1 0.8 164 11.5 8.8
24 City National 29 8.8 0.5 390 9.7 7.1
25 CVB Financial 7 12.0 1.5 152 17.9 11.4
26 Sterling Financial 10 7.5 0.9 212 15.4 11.8
27 Northern Trust 96 9.6 1.0 97 13.6 8.3
28 WesBanco 6 8.5 1.0 123 13.1 9.3
29 BOK Financial 27 11.0 0.9 174 13.5 9.8
30 BBCN Bancorp 6 11.0 1.2 110 13.6 12.1
31 Columbia Banking System 7 5.9 1.1 161 13.2 10.1
32 Independent Bank 6 9.2 0.8 142 10.8 8.6
33 PacWest Bancorp 7 9.4 1.4 139 15.1 11.2
34 Investors Bancorp 14 10.5 0.9 159 9.8 7.3
35 Fifth Third Bancorp 126 13.0 1.0 181 11.1 10.6
36 Boston Private Financial 6 10.8 1.1 147 13.9 10.3
37 Susquehanna Bancshares 18 6.7 0.8 151 11.5 9.5
38 National Penn Bancshares 8 5.0 0.9 213 15.6 11.7
39 Citigroup 1,900 6.4 1.8 171 13.6 8.1
40 Huntington Bancshares 57 11.1 1.0 158 12.4 10.9
41 Popular 36 12.9 3.8 70 18.5 12.3
42 First Financial 8 7.1 1.2 98 13.1 10.1
43 BB&T 181 7.6 1.0 151 11.3 9.0
44 U.S. Bancorp 361 14.7 0.9 193 11.2 9.6
45 Glacier Bancorp 8 9.8 2.1 150 17.5 11.7
46 Old National Bancorp 10 8.4 1.9 50 14.2 8.8
47 FirstMerit 24 7.7 1.4 75 11.3 8.0
48 New York Community Bancorp 46 8.6 0.5 123 13.1 8.7
49 Western Alliance Bancorp 9 14.6 1.2 121 11.2 10.0
50 First Interstate BancSystem 7 10.6 2.2 97 14.9 10.0
51 Chemical Financial 6 8.5 1.4 130 12.9 10.0
52 EverBank Financial 18 9.9 1.4 35 13.9 8.8
53 Cathay General Bancorp 11 7.5 1.3 183 14.9 12.4
54 JPMorgan Chase 2,463 9.3 2.1 113 11.7 6.9
55 Webster Financial 21 8.7 1.5 87 13.1 9.0
56 Taylor Capital Group 6 12.5 2.0 102 12.9 10.3
57 Capitol Federal Financial 9 4.1 0.4 33 35.6 14.8
58 M&T Bank 84 11.6 1.9 77 11.9 10.7
59 First Financial Bancorp. 6 8.6 1.9 92 15.3 10.3
60 F.N.B. 13 8.2 1.2 100 10.6 8.4
61 Hancock Holding 19 7.3 1.2 95 12.1 9.1
62 Trustmark 12 8.8 2.1 53 12.7 8.8
63 MB Financial 9 7.7 2.5 86 15.4 11.4
64 Zions Bancorp 55 5.7 1.2 175 13.1 10.6
65 Fulton Financial 17 7.8 1.3 125 12.9 10.4
66 BancorpSouth 13 5.7 1.3 135 13.3 9.9
67 IBERIABANK 13 4.1 1.2 140 12.0 9.7
68 Associated Banc-Corp 24 6.4 1.3 132 12.0 8.8
69 First Midwest Bancorp 9 7.7 1.5 108 11.1 9.2
70 PNC Financial Services 309 9.8 2.3 80 12.3 11.1
71 PrivateBancorp 14 9.0 1.2 135 11.1 10.3
72 Wintrust Financial 18 7.2 1.1 84 12.3 10.5
73 Wells Fargo 1,488 13.3 2.7 67 12.1 9.8
74 United Bankshares 9 8.7 1.1 100 12.6 10.8
75 Northwest Bancshares 8 5.5 2.1 62 17.0 11.2
76 Washington Federal 13 7.9 1.7 86 25.2 13.0
77 International Bancshares 12 8.1 1.9 71 19.4 11.5
78 Provident Financial Services 7 7.0 1.5 84 13.0 9.4
79 OFG Bancorp 8 5.9 3.3 61 14.2 8.7
80 First Citizens Bancorp 8 6.4 2.4 52 15.8 8.3
81 KeyCorp 91 8.6 1.2 127 11.9 11.3
82 Park National 7 11.7 3.0 42 13.2 9.4
83 First Niagara Financial 37 5.6 1.4 66 9.5 7.1
84 Comerica 65 7.9 1.1 129 10.7 10.9
85 SunTrust Banks 172 6.1 0.9 179 11.0 9.5
86 Capital Bank Financial 7 2.8 5.4 23 19.7 14.5
87 Valley National Bancorp 16 8.5 1.4 72 10.6 8.0
88 Flagstar Bancorp 12 1.0 2.1 147 26.6 12.0
89 TCF Financial 18 7.5 1.8 92 11.4 9.5
90 TFS Financial 11 3.7 1.5 59 22.9 14.2
91 First Commonwealth Financial 6 5.5 1.4 90 12.0 9.8
92 First BanCorp. 13 -11.8 6.4 45 15.6 11.7
93 Synovus Financial 26 25.8 2.3 69 10.6 9.0
94 Regions Financial 117 7.5 2.2 93 11.5 9.9
95 Bank of America 2,129 3.7 2.9 69 12.3 7.8
96 People's United Financial 31 4.8 1.6 49 11.9 9.5
97 Astoria Financial 16 4.6 2.8 41 15.6 9.6
98 Hudson City Bancorp 39 4.0 3.8 31 23.2 10.6
99 First Horizon National 24 0.9 3.0 54 13.3 10.6
100 Doral Financial 9 -0.2 11.3 15 10.7 8.7
Source: Forbes.com
We live in the world full of money transfers, earnings and losses. We can observe smaller and bigger financial crisis, varying oil prices causing changes in prices of other things and so on.. Nothing in the world is stable nor the banks. We can probably say that banks are in one area more stable while less stable in other areas. As everything, also banks have their stronger and weaker parts. Some banks or other institutions have for example better investment programs, other can offer better loan conditions and so on. To decide which bank is more suitable for our purposes, here comes in handy some kind of comparison or bank ratings.

There is an institution called FDIC (Federal Deposit Insurance Corporation). This helps banks be a safer place for our money and you can read more on this topic in our FDIC menu selection.

Are the bank ratings accessible to the public?

Although FDIC has got a lot of informations about bank ratings, it never releases its ratings on the safety of banks. However there are some private companies that provide their ratings they acquired on their own.